Independent financial advice for Lytham St Annes and the Fylde Coast
I'm an independent financial adviser working with individuals and families across Lytham, St Annes, Ansdell and the wider Fylde Coast. From pension planning to retirement, inheritance tax and cashflow, I provide clear, impartial advice - not tied to any product provider.
Impartial guidance built around your circumstances
100% Independent
Not tied to any product provider. I search the whole market to find solutions that genuinely fit your situation - not what's easiest to sell.
Covering the Fylde Coast
I work with clients throughout Lytham, St Annes, Ansdell and Fairhaven. Meetings by video call or in person, at a time that suits you.
Clear, plain-English advice
No jargon, no hard sell. I explain what matters, why it matters, and what happens next - so you leave each meeting knowing exactly where you stand.
Significant wealth and meaningful planning decisions
Lytham St Annes is one of the most established coastal communities in the North West - home to long-standing families, retired professionals and business owners who've built significant wealth over careers spent in Manchester, Preston and beyond.
With strong property values, sizeable pension pots from long careers and a mature investment culture, the planning decisions facing Lytham St Annes residents are often complex: when to crystallise a pension, how to pass wealth efficiently, how to manage income across retirement, and how to prepare for the pension-IHT changes coming in April 2027.
As an independent adviser, I help Fylde Coast families make the most of what they've built - pension consolidation, tax-efficient drawdown, inheritance tax planning and cashflow analysis that shows exactly how your plan holds up under real-world scenarios.
A full range of independent financial advice
Pension Advice
Consolidate old workplace and personal pensions, maximise your annual allowance and plan a tax-efficient income for retirement.
Learn more →Inheritance Tax Planning
With Fylde Coast property values as they are, many local estates sit well above the IHT threshold. I help you plan around it strategically.
Learn more →Cashflow Planning
See a clear picture of your financial future - how long your money is likely to last, how market shocks affect it, and what changes might be needed.
See how it works →Tax-Efficient Investment Advice
Use ISAs, pensions, General Investment Accounts and the allowances available to you so more of your money stays working for you.
Learn more →Protection Review
Life cover and income protection gaps leave many families underinsured. I review what you have, identify gaps, and source the right cover.
Learn more →Unsure where to start? A free 20-minute call gives you clarity on what matters most.
Book a free callAbout John Anthony Sykes
I'm John Anthony Sykes, an independent financial adviser connected to Fintuity. I work with individuals and families across the North West - Southport, Formby, Birkdale, Lytham St Annes and the wider Fylde Coast.
My work focuses on pensions, retirement planning, inheritance tax and cashflow analysis - typically for clients approaching or already in retirement, and for families thinking carefully about how to pass wealth on.
Fees are transparent and agreed before any work begins. A free 20-minute introductory call is available - no obligation to proceed.
Ready to move forward?
The first conversation is free. No obligation, no pressure - just clarity on where you stand and how I might be able to help.
Book your free 20-minute call